Senior Relationship Manager - Business Banking - Kaduna

About this role

The Senior Relationship Manager for Business Banking in Kaduna is responsible for driving merchant and SME lending sales, growing a profitable loan book, and managing relationships to increase lending, utilisation and repayment through both online and offline payment solutions. The role involves end-to-end loan sales, portfolio management, and engagement with merchants to promote lending and transaction activities.

What you would do

• Originate and close merchant and SME loan deals across key sectors.
• Manage end-to-end loan sales including prospecting, onboarding, documentation, disbursement coordination, and post-disbursement monitoring.
• Grow and maintain a high-quality loan book with strong utilisation and timely repayments.
• Drive repeat borrowing and loan upsell within existing merchant portfolios.
• Collaborate with credit and risk teams to maintain underwriting quality while meeting targets.
• Monitor KPIs and merchant activity, conduct regular merchant visits, and support POS-based lending and transaction visibility.

What they are asking for

• Bachelor's Degree in Sales, Marketing, Finance, Business Administration or related discipline.
• 8+ years of experience in merchant lending, SME lending, business banking or fintech credit sales.
• Strong understanding of cashflow-based lending, underwriting and portfolio management.
• Experience managing a lending portfolio of at least N2B+.
• Proven track record of loan book growth and hitting sales targets.
• Excellent communication, negotiation and relationship management skills.

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